Cash dispensing automated banking machine user interface system and method

ABSTRACT

An automated banking machine is operative to enable users to operate the machine to carry out transactions such as the dispensing of cash. The exemplary machine provides audible instructions which are output through external loudspeakers, a headphone, or a handset. Rotation of a rotatable knob ( 372, 382 ) or other movable item causes the output of user selectable characters, transaction types and/or amounts corresponding to each respective position. The user selects the audible output produced in the current position of the knob for receipt by the machine as a transaction input by pressing on the knob. Characters and other selectable inputs corresponding to knob positions can be varied by the computer in the machine to reduce the risk of a criminal intercepting the user&#39;s inputs to the machine.

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a divisional of U.S. application Ser. No. 11/175,891filed Jul. 6, 2005 which claims the benefits of Provisional Application60/586,382 filed Jul. 7, 2004 and Provisional Application 60/643,420filed Jan. 11, 2005, the disclosures of each of which are incorporatedherein by reference.

TECHNICAL FIELD

This invention relates to automated banking machines. Specifically, theexemplary form relates to input devices for a cash dispensing automatedbanking machine apparatus and systems such as one that is more readilyoperated by a consumer that is visually impaired.

BACKGROUND ART

A common type of automated banking machine used by consumers is anautomated teller machine (“ATM”). ATMs enable customers to carry outbanking transactions. Common banking transactions that may be carriedout with ATMs include the dispensing of cash, the receipt of deposits,the transfer of funds between accounts, the payment of bills and accountbalance inquiries. The type of banking transactions a customer can carryout are determined by capabilities of the particular banking machine andthe programming of the institution operating the machine. Other types ofautomated banking machines may allow customers to charge againstaccounts, to pay bills, to transfer funds or to cash checks. Other typesof automated banking machines may print or dispense items of value suchas coupons, tickets, wagering slips, vouchers, checks, food stamps,money orders, scrip or travelers' checks. For purposes of thisdisclosure, references to an ATM, an automated banking machine orautomated transaction machine shall encompass any device which carriesout transactions including transfers of value.

ATMs generally include a display device such as a CRT or LCD which isoperative to output a visual user interface. The user interface includesinstructions and selectable options which visually guide a user throughthe operation of the machine. For example, ATMs often include ahierarchical menu for navigating through a plurality of different userinterface screens. Such menus often list various types of transactionfunctions which may be performed at the ATM such as a withdrawal of cashor the deposit of a check. Although a consumer with normal vision canreadily operate such an ATM by following the commands visually presentedthrough the display device, a consumer who is visually impaired may notbe able to operate such an ATM as easily.

ATMs also often have input devices such as keypads and touch screenswhich are used by consumers to provide inputs. Such inputs may includeconfidential information such as a user's personal identification number(PIN). There is a risk that confidential inputs can be intercepted bycriminals. Such interception may occur by surreptitious observation orby installing devices that intercept data corresponding to the keypadbuttons pressed by the user.

ATM input devices currently provide users with less input options thanmay be desirable in some situations.

As a result, there exists a need for an ATM with improved input devices.

DISCLOSURE OF INVENTION

It is an object of an exemplary form of the present invention to providean automated banking machine at which a user may conduct transactions.

It is a further object of an exemplary form of the present invention toprovide an automated banking machine that may be operated by consumerswith normal vision.

It is a further object of an exemplary form of the present invention toprovide an automated banking machine that may be operated by consumerswith impaired vision.

It is a further object of an exemplary form of the present invention toprovide an automated banking machine with improved user inputcapabilities. It is a further object of an exemplary form of the presentinvention to provide an automated banking machine with improvedresistance to unauthorized interception of customer inputs.

It is a further object of an exemplary form of the present invention toprovide improved methods of operation of an automated banking machine.

Further objects of exemplary forms of the present invention will be madeapparent in the following Best Modes for Carrying Out Invention and theappended claims.

The foregoing objects are accomplished in one exemplary embodiment by anautomated banking machine that includes output devices such as a displayscreen and audible output device, and input devices such as a touchscreen, a keypad, card reader and other type input device. The bankingmachine may further include devices such as a cash dispenser mechanismfor dispensing sheets or other items of currency, a printer mechanism, adepository mechanism and other transaction function devices that areused by the machine in carrying out banking transactions.

The exemplary banking machine is in operative connection with at leastone computer. The computer is in operative connection with the outputdevices and the input devices, as well as with the cash dispensermechanism, and other physical transaction function devices in thebanking machine. The computer includes software programs that areexecutable therein. The software may include terminal control softwarewhich is operative to cause the machine to perform a plurality ofdifferent transaction functions. In addition, the terminal controlsoftware of the exemplary embodiment may be operative to cause themachine to provide both a visual and audible user interface outputs forguiding a consumer through the operation of the machine.

In one exemplary embodiment, the terminal control software may beoperative to cause the computer to output a visual menu for navigatingbetween different user interface screens. Such screens may includetransaction information and selectable options for operating theautomated banking machine. For each visual user interface screen, theexemplary embodiment of the terminal control software may be operativeto cause the computer to output corresponding audible outputs throughexternal speakers, a handset and/or an output device that is connectableto a set of headphones. The audible outputs may include simulated verbalinstructions which describe the functions and operations available forthe current state of the banking machine. Such audible verbalinstructions may further include a description of which keys, buttons,transaction function devices, and other input devices to press,manipulate, or activate in order to perform the available machinefunctions and operations. In addition, such audible verbal instructionsmay further include a description of the relative locations of the keys,buttons, transaction function devices, and other input devices forperforming the functions and operations. Further, such verbalinstructions may include a description of how to use or manipulate thekeys, buttons, transaction function devices, and other input devices ofthe banking machine. For example, to initially activate the automatedbanking machine, the audible verbal instructions may include adescription of the location of a card reader of the machine and indicatein what orientation a card may be inserted and/or swiped in the cardreader for purposes of being read. Further audible verbal instructionsmay describe the types of transaction functions that are available andwhich keys or other input devices must be pressed or manipulated inorder to either select, modify, or cancel each of the transactionfunctions.

As used herein, the term “verbal” corresponds to human language wordsgenerated by either a recorded human voice, machine synthesized humanvoice emulation or combinations thereof. In exemplary embodiments,audible verbal instructions may include a plurality of words producedresponsive to digital or analog recordings of either a human voice orcomputer synthesized voice. In addition, audible verbal instructions maybe produced directly from hardware devices and/or software programsoperating in the ATM which are capable of synthesizing human languagewords, sentences, syllables and other human language communicationsounds. Such hardware devices and/or software programs for example mayinclude text to speech synthesizer devices which are operative togenerate sound signals or audible outputs which include verbalinstructions responsive to alphanumeric text.

Some exemplary embodiments may include a plurality of features whichenable the machine to be easily and conveniently used by the visuallyimpaired. For example, in an exemplary embodiment, the automated bankingmachine may enable a consumer to repeat the last audible verbalinstructions with the press of a single button and/or key. Also, foreach key press or other input, the banking machine may be operative toaudibly identify the letter, number, and/or function of the key.

In an exemplary embodiment, the automated banking machine may enable theconsumer to cycle through a plurality of volume changes with the pressof a single button and/or key. Further, the banking machine may beoperative to automatically mute any external loudspeakers of the bankingmachine upon the detection of the operative connection of headphones tothe machine by a user or the pick up by the user of a handset. Inaddition, an exemplary embodiment of the banking machine may beoperative to set the headphone or handset volume at a pre-determined lowlevel with each new consumer session. The consumer may then press thevolume key and/or button to increase the volume level of the headphonesto a desirable level.

Exemplary embodiments may include an audio system which enables theautomated banking machine to have one or more of the previouslydescribed audible features. The audio system may be operative to acceptand adjustably mix together inputs from a plurality of audio sources,including multimedia inputs such as MP3 streams, voice inputs such asfrom WAV files, and system keyboard and/or prompting beeps. An exemplaryembodiment of the audio system may further include both external andheadphone connection ports which are operative to individually andselectively amplify and output the mixed signals through externalloudspeakers and headphones placed in operative connection withconnection ports.

The exemplary audio system may be operative to detect the connection ofa headphone to the headphone port, automatically mute the output to theexternal port which is connected with external speakers, and set theheadphone volume at a minimum level. In addition, the exemplary audiosystem may be operative to detect the removal of the headphone fromconnection with the headphone port, and automatically reinstitute theoutput through the external port.

In some exemplary embodiments, the audio system may further be operativeto selectively step through a plurality of headphone volume levelsresponsive to one or more volume changing inputs. Such inputs may bedirectly received from a key or button in operative connection with thenew audio system. In alternative exemplary embodiments of the audiosystem, signals corresponding to a volume change may be received fromone or more buttons of the banking machine.

In alternative exemplary embodiments, the ATM includes a user interfacethat facilitates the receipt of inputs by the machine and which reducesthe risk of interception of inputs by criminals. In exemplaryembodiments, the user interface includes an item which is manipulated bythe user to select inputs. The machine provides the user with verbaloutputs corresponding to the position to which the user has moved theitem. This is done in exemplary embodiments through verbal outputsprovided to the user via headphones, a handset, or other non-visualcommunication methods.

In exemplary embodiments, the interface includes a rotatable knob whichthe user can turn to a plurality of positions and which the user canpress to make or change a selection. In an exemplary embodiment, theuser inputs their card to the machine and can provide theircorresponding PIN number through movement of the rotational knob. Inexemplary embodiments, the user is advised of the character, such as aletter of the alphabet or a numerical value which corresponds to theinitial position of the knob, and is instructed as to the directions torotate the knob to increment and decrement from the initial character.As the user turns the knob through a plurality of positions, the ATMprovides verbal outputs to the user through the headphones, handset orother methodology, as to the particular character which corresponds tothe position in which the user has placed the knob. When the user hasturned the knob to the selected character, the user presses the knob toindicate that that character is part of the code such as a PIN number orother series of characters that the user is to input.

In some exemplary embodiments, the initial character can be selectedthrough operation of one or more computers in the ATM in a randomfashion. In this way, it becomes much more difficult for an unauthorizedobserver to intercept the user's inputs. The user can provide aplurality of characters in this manner to the ATM until all thecharacters in the PIN number or other code have been input.

In exemplary embodiments, ATM users can also provide other inputsthrough this exemplary interface. For example, after the user has inputtheir code corresponding to their PIN number, the user may be instructedto rotate the knob to select the desired transaction type. As the userrotates the knob through various positions, the ATM provides verbaland/or visual instructions as to each transaction type corresponding toeach position. When the user has moved the knob to a position whichcorresponds to the desired transaction type, the user can cause themachine to receive the input of the selected transaction type bypressing the knob.

A similar approach may also be taken for the ATM to receive the amountassociated with the user's selected transaction type. The user may turnthe knob to a plurality of positions as the machine provides audibleand/or visual outputs to the user of the monetary value associated witheach respective position. For example, if the user has selected toconduct a cash withdrawal type transaction, the machine may provide theuser with instructions on how to increase or decrease the amount ofvalue that the machine will dispense. As the user rotates or otherwisemoves the knob through various positions, the machine provides outputscorresponding to amounts. When the knob has been turned to a positioncorresponding to the desired amount output, the user can select theamount by pressing the knob. A computer then operates to cause the ATMto communicate with a remote host computer to determine if thetransaction is authorized, and if so causes the ATM to dispense theselected amount to the user.

In alternative embodiments, various properties may be caused to beoutput through the knob to facilitate the user's operation thereofthrough the sense of touch. For example, in some embodiments the knobmay be caused to output a manually perceptible “click” as the knob movesinto each position. Alternatively or in addition, the knob movements mayhave properties that include stops, bumps, areas of resistance, or otherfeatures that correspond to the selections that the user is being askedto make. Such perceptible resistance changes or vibratory aspects of theknob may be applied through appropriate mechanical devices such assolenoids, brakes, motors, ratchets, or other items that provide thedesired manually perceptible properties.

Of course, in other embodiments other types of movable items may beprovided on the banking machine so as to receive user inputs. Further,in some embodiments the functions of moving through a plurality ofpositions corresponding to choices, and the selection of a particularchoice may be divided between two devices, such as, for example, amovable lever and a push button. Numerous approaches applying theprinciples described may be used in alternative embodiments.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is a perspective view representative of an exemplary embodimentof an ATM incorporating features described herein.

FIG. 2 is a schematic view of the exemplary embodiment of the ATM.

FIGS. 3-13 are schematic views of the exemplary embodiment of the ATM ina plurality of different states of operation.

FIG. 14 is a schematic view representative of an exemplary audio system.

FIG. 15 is a perspective view of an alternative exemplary embodimentincluding an alternative user interface.

FIG. 16 is a front plan view of a user interface of yet anotheralternative embodiment of an ATM that does not include a screen output.

FIG. 17 is a schematic view of an alternative input device for use inconjunction with an ATM.

FIG. 18 is an exemplary display output provided by an ATM of analternative embodiment in receiving a user's PIN input.

FIG. 19 is an exemplary display output associated with a cash withdrawaltransaction.

FIG. 20 is an exemplary display output associated with selection of atype of bill payment transaction.

FIG. 21 is an exemplary display output associated with a bill paymenttransaction.

BEST MODES FOR CARRYING OUT INVENTION

Referring now to the drawings and particularly to FIG. 1, there is showntherein a perspective view of an exemplary automated banking machinesuch as an ATM 10 including certain useful features. The exemplaryembodiment of the ATM 10 includes output devices such as a displaydevice 12 and external loudspeakers 13. The display device 12 isoperative to provide a consumer with a user interface 18 that includes aplurality of screens or other outputs including selectable options foroperating the machine. The external loudspeakers 13 may be operative toprovide a consumer with audible music, beeps, signals, and/or verbalinstructions for operating the machine.

The exemplary embodiment of the ATM 10 may further include at least oneoutput device such as an external port 11. In the exemplary embodimentof the ATM 10, the external port 11 includes a speaker port such as aheadphone port 21 for operatively connecting portable speaker devicessuch as a set of headphones 15 to the ATM. In other exemplaryembodiments, the external port 11 may comprise a wireless connectionport. For example, in an alternative exemplary embodiment of the ATM 10,the external port 11 may include a wireless communication device whichis operative to communicate with a wireless headphone set or otherexternal device capable of providing audible, visual or other userperceivable outputs. Such wireless communication devices may communicatewith the external device using RF or IR, for example. In alternativeembodiments the ATM may include a handset or other audio communicationdevice.

In the exemplary embodiment, the external port 11 may include a base 17with a useful shape that is not flush with the fascia 19 of the ATM 10.The shape of the base 17 may have a distinctive contour which enables aconsumer with impaired vision to quickly locate the external port bytouching the fascia 19 and base 17 of the ATM. For example, in oneexemplary embodiment, the base of the external port may include aconcave portion with a female headphone jack or port 21 positionedgenerally in the center of the concave portion. In further exemplaryembodiments, the base 17 of the external jack may extend from the fascia19 and have a distinctive contour or edge shape such as that of asquare, circle, triangle, or other unique shape that is identifiable bytouch.

The exemplary ATM 10 may include a plurality of input devices such asfunction keys 14 and a keypad 16. The exemplary embodiment of the ATM 10may further include other types of input devices, such as a touchscreen, microphone, card reader 26, biometric reader or any other devicethat is operative to provide the ATM with inputs representative of userinstructions or information. The exemplary ATM 10 may further include aplurality of transaction function devices, such as a sheet or cashdispenser 20, receipt printer 24 and other devices.

FIG. 2 shows a schematic view of components which may be included in anexemplary embodiment of the ATM and a system in which it is operated.The ATM 10 may include at least one computer 30 which is alternativelyreferred to herein as a processor. The computer 30 may be in operativeconnection with the input device(s) 32, the output device(s) 34, thetransaction function device(s) 36 and at least one data store 38. Theexemplary embodiment further includes one or more softwareapplication(s) 40 operative in the computer 30. The softwareapplications may include for example terminal control software,maintenance software, diagnostic software and any other software thatenables the ATM to perform transaction functions for users and/orenables authorized representatives of an operator of the ATM to service,configure and maintain the ATM. An exemplary embodiment of an ATM may beoperative to communicate with a host banking system 42 to enable aconsumer to perform such exemplary transaction functions as withdrawingcash from an account through operation of the cash dispenser device 20,depositing checks or other items with the depository device, performinga balance inquiry for a financial account and transferring value betweenaccounts.

The exemplary embodiment may be operative to provide a consumer with auser interface which comprises outputs that may be visually displayedand/or output in audible form for the consumer. The exemplary userinterface may guide the consumer through the selection of one or morefunctions which are to be performed by the ATM. Such functions mayinclude a plurality of different transaction functions such as thedispense of cash, balance inquiries, deposits and transfers. However,such functions may also include options for navigating through the userinterface such as functions for canceling or confirming a selection.Functions may also include options for configuring the user interface,such as changing the human language output through the user interface orchanging the volume of the audio output of the ATM. In addition,functions may also include options for making the user interface moreuser friendly, such as functions that repeat an audible instruction, orthat provide help or a description for other functions of the ATM.

The exemplary embodiment of the ATM includes at least one softwareapplication such as a terminal control software program that at anygiven time is operative to be in one of a plurality of different states.To perform transaction functions, the terminal control software mayprogress between the various states, prompting the user to inputdifferent types of information in some states and performing atransaction function in other states in response to the inputtedinformation.

The exemplary embodiment of the ATM may operate to organize differenttransaction functions into a hierarchy using a plurality of menus andsub-menus (also referred to herein as “screens”). A menu may be visuallyand/or audibly output to the consumer for each of the different statesthe ATM is operative to progress through to select and perform thetransaction functions. Each menu may be operative to list thosefunctions which may be performed in any given state of the ATM.Selecting an option or function visually listed or verbally described ina menu may cause the ATM to change to a different state which causes adisplay and/or output of an audible verbal description of a sub-menu ofoptions or functions available to be performed by the ATM in the newstate.

The exemplary data store 38 of the ATM may be operative to storetherein, information for generating visual outputs and audible outputsthat are representative of menus and sub-menus for a plurality ofdifferent states 50 of the ATM. Such information, for example mayinclude stored data for producing visual outputs such as visual screendata 52 for operative states of the ATM. Such information may furtherinclude stored data for producing audio outputs such as MP3 or WAV soundfiles 56 which include verbal instructions for operative states of theATM. Such stored data for producing audio outputs may also includealphanumeric text messages 54 (also referred to herein as“text-to-speech data”), which may be used by the computer 30 to generateaudible verbal instructions for operative states of the ATM. Inexemplary embodiments, the visual screen data 52 may be accessed by thecomputer and used to produce visual outputs through the display device12. Also, the audio output data such as the sound files 56 and/or textmessages 54 may be accessed by the computer and used to produce audibleoutputs with verbal instructions or descriptions through externalloudspeakers 13 and/or headphones. In an exemplary embodiment, the ATMmay receive visual screen data and/or audio output data from a hostbanking system.

As shown in FIG. 2, the ATM 10 may further include a sound system device60 in operative connection with the computer. The exemplary sound systemdevice 60 may be operative to produce signals that produce audibleoutputs. Such signals may be directed to the external port 11 and/or theexternal loudspeakers 13. In one exemplary embodiment, the sound systemdevice may be operative to selectively mix and amplify a plurality ofdifferent audio input signals to generate an amplified audible outputsignal. Alternative exemplary embodiments of the ATM 10 may furtherinclude a text to speech synthesizer device 62 which is operative toconvert the text messages 54 into the verbal instructions ordescriptions included in the audible outputs of the ATM.

The exemplary embodiment of the ATM 10 may be designed to be used byconsumers with normal vision as well as users who have impaired visionor who are blind. For example, a user with normal vision may view thedisplay screen to read instructions for operating the ATM 10. A userwith impaired vision may listen to verbal instructions and descriptionsoutput from the external loudspeakers 13. In addition, a user withimpaired vision may operatively connect a personal set of headphones 15or other device with the external port 11 of the ATM to listen to verbalinstructions and descriptions in private. As used herein, the phrases“verbal instructions” or “verbal descriptions” are used interchangeably,and may include verbal instructions, commands, descriptions, and/or anyother form of audible information that is susceptible to humancomprehension.

In an exemplary embodiment, the sound system device 60 may be operativeto detect the impedance change across the external port 11 whenheadphones 15 are electronically connected to the external port. Whenthe connection is detected, the sound system device 60 and/or computer30 may be operative to mute any audible output being directed to theexternal loudspeakers 13. The computer may then be operative to outputprivate verbal instructions through the headphones which describe to theuser how the ATM may be operated. In exemplary embodiments, muting anaudible output may include the computer or the sound system deviceoperating to lower the volume level of the audible output through theexternal speakers to a generally silent level. Muting an audible outputmay also include stopping the playing or production of audio outputs bythe computer or the sound system device.

Upon detection of the connection of the headphones or other externaldevice to the external port, the sound system and/or the computer may beoperative to change the volume level of the audible output beingdirected to the headphones or other device through the external port toa predetermined level. Such a predetermined level may correspond to arelatively low volume level that is not likely to cause discomfort tothe majority of consumers using the ATM. In the exemplary embodiment,the sound system may be in operative connection with one or more volumechanging switches, keys, dials, buttons or other devices which areaccessible to the consumer. After the operative connection of theheadphones or other device to the external port, the volume changingdevices may be operated by the consumer to increase or decrease thevolume level as desired by the consumer. In an exemplary embodiment, thesound system device may further be operative to detect when theheadphone has been disconnected with the external port. When this occursthe sound system and/or the computer, may be operative to mute theaudible output to the external port and institute the audible outputthrough the external loudspeakers.

In alternative exemplary embodiments, a key of a keypad of the ATM maybe operative to control the volume of audio outputs. When a designatedvolume key of the keypad or other key is pressed or actuated, thecomputer may be operative to cause the ATM to change the current volumelevel and audibly output a word such as “Volume” at the newly selectedvolume level. For example, when a consumer presses the volume key of thekeypad twice in succession, an exemplary embodiment of the bankingmachine may be operative to output the word “Volume” twice with thesecond occurrence of the word “Volume” being louder than the firstoccurrence. When the volume has reached a maximum level, the next timethe volume key of the keypad is pressed, the exemplary ATM may beoperative to return the volume level to a predetermined minimum usablevolume level and output a word such as “Volume” at the correspondingminimum volume level.

FIGS. 3-8 show schematic views of the ATM 10 in a plurality of differentstates. Such states are examples of one exemplary path a consumer maytake through the hierarchy of user interface menus for purposes ofoperating the ATM 10. FIG. 3 shows the ATM 10 in a first mode or state102 which may be active when a user first approaches the machine. Herethe ATM is operative to attract or invite consumers to use the servicesof the ATM. The exemplary embodiment of the ATM may include a visibleoutput 104 through a display device of the ATM. The visible output mayinclude indicia such as text which informs the consumer that the cardmay be swiped for initiating operation of the machine.

For users that are visually impaired, the exemplary ATM may further beoperative to output an audible output 106 through external loudspeakersor headphones of the consumer. Such an audible output 106 may includeverbal instructions 108 which inform the consumer which types oftransaction functions can be performed at the machine. The verbalinstructions 108 may also describe the locations of input devices suchas a keypad 110 of the ATM and may describe the physical locationsand/or configurations of the input devices. In addition, the verbalinstructions may describe how the input device may be manipulated toselect different functions of the machine and may further describe whatthe functions perform. Also, the verbal instructions may describe thelocation of transaction function devices and describe how thetransaction function devices may be used.

For example, in the state shown in FIG. 3 the verbal instructions mayindicate that the ATM offers transaction functions such as withdrawals,balance inquiries and transfers. In addition the verbal instructions mayindicate that the keypad 110 is located below the display screen.Further, the verbal instructions may indicate that the keypad isorganized similar to a telephone keypad. Also, the verbal instructionsmay describe the locations of certain keys of the keypad, includingtheir function. For example, the star “*” key 112 may be indicated to bebelow the seven “7” key 116 and is operative to help the consumer learnthe function of any active key. The pound “#” key 114 may be indicatedto be below the nine “9” key 118 and is used for volume control. Afourth column 120, of keys in the exemplary keypad may be described asincluding from top to bottom an enter key 122, a clear key 124, a cancelkey 126, and a repeat key 128. The exemplary output verbal instructions108 may further indicate that the swipe card reader is verticallyorientated and is located to the right of the headphone jack. Exemplaryaudible outputs may also indicate that the swipe reader is to be used byholding a credit or debit card vertically with the top toward the ATMand with the raised numbers to the left and by swiping the card quicklydown through the slot in the reader. Of course these outputs areexemplary and in other embodiments other approaches may be used.

As shown in FIG. 4, the exemplary ATM may be operative to change to asecond state 130, after the consumer successfully swipes and/or insertsa card using the card reader of the ATM. In this second state 130, theATM may be operative to accept the input of a Personal IdentificationNumber (PIN). Both the visible output 132 and the audible output 134produced when the ATM is in this state, may request that the consumerenter a PIN. As a consumer presses each of the numeric keys 136-139 ofthe keypad which correspond to the consumer's PIN, the exemplary ATM maybe operative to both visually and audibly acknowledge each input. Forexample, the visible output 132 may be updated with each key press todisplay an additional asterisk symbol 140-143. In addition, with eachkey press the ATM may be operative to produce additional audible outputs145-148 which may include a beep, or other sound acknowledging eachinput. When the audible output is privately being communicated to theuser through headphones for example, the audible outputs 145-148 maycorrespond to the verbal description of each number being pressed. Whenthe user presses the enter key 150, the exemplary ATM is operative toproduce a further audible output which includes a verbal descriptionrepresentative of the enter key such as for example the word “ENTER.”

Once the consumer inputs a PIN and presses the enter key 150 of thekeypad, the exemplary ATM may be operative to change to a third state inwhich the ATM is operative to enable the consumer to select one of aplurality of transaction functions to be performed with the ATM. Asshown in FIG. 5, when the ATM is in a third state 160 the ATM mayproduce a visible output 162 which lists the transaction functions 164and visually points to the function keys 166 that are operative toselect each transaction function.

In the exemplary ATM, this described third state may cause the computerin the ATM to produce audible outputs 168 which describe which keys ofthe keypad are operative to select certain transaction functions. Forexample, in this described embodiment it may be indicated that the five“5” key may be actuated to select a withdrawal, the six “6” key may beactuated to select a balance inquiry, and the seven key “7” may beactuated to select a transfer.

In the exemplary embodiment, the ATM may be operative to provide aconsumer with help to learn which keys perform which functions. Forexample, if the consumer wishes to verify that the five “5” keycorresponds to a withdrawal transaction function without actuallyselecting a withdrawal transaction function, the consumer may press thestar “*” key of the keypad prior to pressing the five “5” key. In thisdescribed exemplary embodiment the star “*” key may indicate to the ATMthat the next following key is to be verbally described or named. Asshown in FIG. 5, when the consumer presses the star “*” key 170 followedby the five “5” key 172, the ATM may be operative to produce a furtheraudible output 174 which verbally indicates the name of the functionsuch as “Withdrawal.” When a help key such as the star “*” key 170 isactuated in this embodiment, the ATM may only describe the functionassociated with the next key press rather than changing to a furtherstate corresponding to such a key press.

If the consumer presses the star “*” key 170 followed by a key that isnot associated with a function in the current state, such as the one “1”key 176, the exemplary ATM may be operative to produce a further audibleoutput 178. The further audible output may verbally indicate that thekey is not being used in the current state of the ATM with an expressionsuch as “Un-used.”

In an exemplary embodiment, the second key for which the user wishes toreceive an indication of the function must be pressed within apredetermined time period after the star “*” key 170 is pressed. Such atime period may for example be ten seconds. Of course, these approachesare exemplary and in other embodiments other approaches may be used.

In the exemplary embodiment, when a consumer selects a transaction bypressing a key associated with the transaction, such as the five “5” key172 without pressing the star “*” key 170, the ATM may be operative tochange to a fourth state and produce another audible output 180 whichverbally indicates to the user the name of the selected function. Asshown in FIG. 6, the fourth state 190 may include a visual and anaudible request that the consumer select or input additional informationassociated with the performance of the selected transaction function.With a withdrawal transaction, the fourth state may include a visibleoutput 192 which lists the type of accounts 196 that the consumer mayselect for purposes of making the withdrawal. An audible output 194 maylikewise verbally output a list of the types of accounts along with acorresponding key of the keypad to press for selecting each account. Asdiscussed previously, when the consumer selects a key, the exemplary ATMmay be operative to produce a further audible output 200, which verballydescribes what the consumer has selected. For example, if the consumerpresses the five “5” key 198, the audible output 200 may indicate thename of the selection by outputting a word such as “Checking.”

For a withdrawal transaction function, the exemplary embodiment maychange to a further state after a selection of an account has been made.FIG. 7 shows an example of a fifth state 210, in which the ATM may beoperative to accept the selection of an amount of cash to be withdrawn.Here, the ATM may be operative to produce a visible output 212 whichlists a plurality of currency amounts 214 which may be selected.Likewise, the ATM may be operative to produce an audible output 216which verbally indicates which keys of the keypad to press in order toselect a particular currency amount.

In this described exemplary embodiment, the five “5” key 218 correspondsto the selection of another amount for a withdrawal. When this key ispressed, while the ATM is in the fifth state, the ATM is operative tocause the ATM to change to a sixth state and is operative to produce afurther audible output 220 which verbally describes this selection witha word such as “Other.” As shown in FIG. 8, when the exemplary ATM is ina sixth state 230, the ATM may be operative to enable the consumer toenter a specific amount of cash to withdraw, which amount may be otherthan one of the predetermined amounts previously presented. Here, theATM may be operative to produce a visible output 232 which requests thatthe consumer enter an amount for the withdrawal in a currency such asdollars. The exemplary ATM may further be operative to produce anaudible output 234 which verbally requests that the consumer enter anamount which includes a fractional currency portion such as cents on thekeypad.

If for some reason the consumer did not hear or understand all of theverbal instructions 240 of the audible output 234, the exemplary ATM maybe operative to enable the consumer to cause the ATM to repeat theverbal instructions 240. In an exemplary embodiment, the ATM may beoperative to produce a further audible output 236 which includes arepeat of the verbal instructions 240 responsive to the consumerpressing a repeat key 238 of the keypad. If the repeat key is pressedbefore the verbal instructions 240 in the audible output 234 havecompleted, the exemplary ATM may be operative to interrupt the audibleoutput 234 and immediately begin outputting the further audible output236. The further audible output 236 may then repeat the verbalinstructions 240 from the beginning. In other exemplary embodiments, theATM may be operative to produce further audible outputs 236 whichinclude a repeat of the verbal instructions 240 responsive to actuationof any unused key of the keypad which is not associated with anotherfunction or a selection available in the current state of the ATM.

When the consumer enters an amount of a withdrawal by pressing thenumber keys 242-245, the exemplary embodiment of the ATM may beoperative to update the visible output 232 to produce visual outputs248-251 with indicia representative of the current amount entered. Inaddition the ATM may be operative to produce further audible outputs254-257 which verbally describe the number associated with the key thatwas pressed. In the exemplary embodiment, as each key is pressed, theATM may be operative to determine a new current amount of value. Thelast two keys pressed may correspond to the fractional portion of theamount such as the cents portion in U.S. currency. The current amountmay be stored in a memory or buffer in operative connection with thecomputer of the ATM. Pressing the repeat key 238 while a withdrawalamount has been or is being entered, may cause the ATM to produce afurther audible output 260 which verbally indicates the current amountstored in the memory of the ATM. In an exemplary embodiment, the audibleoutput 260 may also include a repeat of the verbal instructions 240.

When the consumer has completed entering an amount, the consumer maypress the enter key 264. Pressing the enter key may cause the ATM tochange to a seventh state and produce another audible output 262 whichverbally describes that the enter key has been pressed. FIG. 9represents the ATM in a seventh state 270. Here, the exemplaryembodiment of the ATM may be operative to produce a visible output 272which requests that the consumer verify that the amount entered in thepreceding state is correct. The ATM may also be operative to produce anaudible output 274 which verbally indicates the current amount enteredand requests that the consumer press keys of the keypad to verify thatthe amount is either correct or incorrect. In this described exemplaryembodiment, the consumer may verify the amount by pressing the seven “7”key 276 of the keypad. When the seven “7” key is pressed, the ATM may beoperative to produce an audible output 278 that verbally indicates adescription of the selection by outputting a word such as “OK.”

Once an amount has been verified by the consumer, if the ATM isconfigured to charge a surcharge for the transaction, the ATM may changeto a further state such as the eighth state 280 shown in FIG. 10. Here,the exemplary ATM may be operative to produce a visible output 282 whichdiscloses the fee for the withdrawal and requests that the user acceptor decline the surcharge. The ATM may further be operative to produce anaudible output 284 which verbally describes the fee and indicates whichkeys of the keypad may be pressed in order to accept or decline thesurcharge.

If the consumer accepts the charge by pressing the seven “7” key 286 forexample, the ATM may be operative to produce the further audible output288 which verbally indicates that the user has accepted the surcharge byoutputting a word such as “Accept.” Once a consumer has accepted thesurcharge (if applicable for the transaction), the exemplary ATM may beoperative to change to a ninth state 290 represented in FIG. 11 in whichthe ATM produces both a visible output 292 and an audible output 294which indicates that the transaction is being processed. Once thewithdrawal has been authorized, the ATM may be operative to change to atenth state 300 represented in FIG. 12. In this state the exemplaryembodiment of the ATM may produce both a visible output 302 and anaudible output 304 which indicate that the ATM is in the process ofdispensing the requested amount.

Once the exemplary embodiment of the ATM has dispensed an amount of cashwith the cash dispenser that corresponds to the requested amount, theATM may be operative to change to an eleventh state 310 as representedin FIG. 13. In the eleventh state the ATM may be operative to produceboth a visible output 312 and an audible output 314 which indicate thatthe consumer may take the dispensed amount of cash and a receipt fromthe ATM. In addition, the verbal instructions 316 of the audible outputmay further describe the locations of the opening through which cash isdelivered and the opening through which a receipt is delivered on theATM.

Once the transaction function has been completed, the exemplaryembodiment of the ATM may return to a previous state such as thedescribed third state 160 shown in FIG. 5 for selecting anothertransaction or the described first state 102 shown in FIG. 3 forattracting new consumers. It is to be understood that the described ATMstates, visible outputs, and audible outputs are examples of performingonly one type of transaction with the exemplary embodiment. Othertransaction functions for the described ATM and alternative exemplaryembodiments of the ATM may have additional and/or other types of ATMstates, visible outputs, and audible outputs.

In some exemplary embodiments, pre-existing ATMs which do not offer auser interface for the visually impaired may be upgraded to include someor all of the previously described features. Such an upgrade may includeinstalling new terminal control software that is operative to cause thecomputer to direct the previously described audible outputs through asound system device of the ATM. Such upgraded terminal control softwaremay further be operative to cause the ATM to repeat verbal instructions,provide verbal help for selections, and/or change the volume of theaudible output as described previously.

In addition, such an upgrade of a pre-existing ATM may include theinstallation of an audio system that is operative to further enable anATM to have some or all of the previously described features. FIG. 14shows an example of an audio system 330 which is adapted to provide anATM with support for headphones 340 using an exemplary embodiment of asound system device 332. The sound system device 332 may be adapted toaccept one or more audio signals through audio input ports 334-336. Suchinput ports may be connected to the output ports of one or more audiooutput devices of the ATM. For example, such audio output devices of anATM may include a sound card that is operative responsive to operationof the computer associated with the ATM to produce sound signals fromWAV or MP3 files. In addition, the ATM may include audio output devicesfor generating audio signals with beeps and other prompting sounds toassist a consumer in operating the ATM. Also, the exemplary ATM mayinclude a text-to-speech synthesizer audio output device and/or softwarewhich is operative to produce audio signals with verbal instructionsresponsive to alphanumeric text-based instructions included in visualdisplay outputs.

The exemplary sound system device 332 may include a controller 350 thatis operative to manipulate one or more audio signals individuallythrough the audio input ports 334-336. The controller 350 may include anamplifier 362 and mixing circuits 364 which are operative to selectivelyamplify and mix the audio input signals together to produce one or moreamplified audio signals. Such amplified audio signals may be selectivelydirected by the controller 350 through one or more of the external ports340, 342 of the sound system device. In an exemplary embodiment, theexternal ports 340, 342 correspond to speaker ports that are adapted toreleasably connect to headphones and external loudspeakers. In theexemplary embodiment, the sound system device 332 may include one ormore selectable adjustable switches 366 such as jumpers, dip switches,or other electronic switches which can be configured to set relativeamplification and other characteristics for mixing one or more audiosignals received from the audio input ports 334-336.

In an exemplary embodiment of the sound system device 332, thecontroller may be in operative connection with a volume change inputport 352. The volume change input port 352 may be operative to receiveelectrical signals responsive to the operation of one or more volumecontrols such as a momentary switch, key, button or other consumeraccessible switch. The controller 350 may be configured to cycle throughone of a plurality of volume levels responsive to the electrical signalsreceived from the operation of the volume control. The controller 350may be operative to amplify the amplified audio signals responsive tothe currently selected volume level. When the volume level reaches amaximum level, the exemplary controller may be operative to change thevolume level to a predetermined minimum level responsive to the nextelectrical signal received from operation of the volume control.

In this described exemplary embodiment, the ATM may include a volumecontrol such as a button adjacent the keypad which is in operativeconnection with the volume change input port 352 of the sound systemdevice 332. However, in other exemplary embodiments, the controller maybe operative to receive volume changing signals from the computer of theATM. Terminal control software may be configured to detect events suchas the pressing of a pound “#” key of the keypad and cause the computerto output a volume changing signal to the sound system device.

As discussed previously, the sound system device may be operative tomute amplified audio signals being directed through the external port342 for external loudspeakers, responsive to the sound system devicedetecting the connection of headphones to the external port 340 forheadphones. In an exemplary embodiment the controller 350 may beoperatively configured to detect the impedance change across theexternal port 340 when headphones are electrically connected to theexternal port. In the exemplary embodiment, when the connection isdetected the controller 350 may be operative to switch off any amplifiedaudio signals being directed to the external port 342 for the externalloudspeakers.

In addition, upon detection of the connection of the headphones thecontroller 350 may be operative to change the volume level of theamplified audio signals being directed to the external port 340 for theheadphones to a predetermined level selected from one of the pluralityof volume levels produced by the sound system device. Such apredetermined level may be configured with a jumper, dip switch, orother selectable switch associated with the sound system device. Thepredetermined level for example may be set to a volume level that isloud enough to be capable of being heard by almost all consumers, but issufficiently low to be unlikely to cause discomfort to the majority ofconsumers using headphones with an ATM.

In the exemplary embodiment, the controller may further be operative todetect when the headphone has been disconnected from the external port340 for the headphones. When this occurs the controller may be operativeto mute the amplified audio signals to the external port 340 for theheadphone and institute the delivery of amplified audio signals to theexternal port 342 for external loudspeakers.

Also, in the exemplary embodiment, the controller 350 may be inoperative connection with a logical condition output port 354 that isadapted to communicate with the computer. The controller 350 may beoperative responsive to the detection of the headphones connected to theexternal port 340 for the headphones, to set the logical conditionoutput port 354 to an electrical condition representative of true or on.When the controller 350 detects that the headphones are no longerconnected to the external port 340 for headphones, the controller may beoperative to set the logical condition output port 354 to an electricalcondition representative of false or off.

In the exemplary embodiment, the computer of the ATM may be configuredto poll or monitor the condition of the logical condition output port354. The terminal control software may be configured to turn on or offaudible outputs being directed to the audio input ports 334-336 of thesound system responsive to the current condition of the logicalcondition output port 354. Thus for example, when the headphones are notattached, the exemplary ATM may be configured to output system beeps andother prompting sounds through the external loudspeakers. However, whenheadphones are connected and the condition of the logical conditionoutput port 354 changes to true or on, the exemplary terminal controlsoftware may be programmed to begin producing audio output with verbalinstructions for operating the machine which is directed to theheadphones.

In further alternative exemplary embodiments, the sound system devicemay further include a wireless transmitter 360. Such a transmitter maybe operatively configured to transmit a wireless audio signal through anexternal port of the sound system device. Such a wireless audio signalmay be received by a wireless receiver of the consumer such as wirelessheadphones or other suitable external device usable by the consumer forreceiving outputs from the ATM.

In alternative embodiments, the wireless audio signal may be encryptedby the ATM to minimize possible eavesdropping on the transaction by athird party. Such encryption may include a handshaking protocol betweenthe ATM and the headphones or other wireless receiver device of theconsumer which verifies that the consumer currently accessing the ATM isthe only party that can decipher the audio signals in the wirelesstransmission from the ATM. For example, in one exemplary embodiment,wireless audio signals between the headphones and the ATM may betransmitted using wireless network technology such as BlueTooth or IEEE802.11. In such embodiments, the ATM may output to each consumer withinrange of the ATM a verbal message which includes a unique session code.When the consumer has access to the machine, the consumer can entertheir unique access code before entering a PIN. Based on the uniqueaccess code entered, the ATM may then direct the audio signals relatedto operating the ATM only to the set of wireless headphones whichoriginally received the access code from the ATM.

In further exemplary embodiments, the ATM may be configured to directprivate wireless audio signals to the headphones or other receiverdevice of the consumer based on information retrieved from the card orother input used to access the ATM by the consumer. For example, suchinformation from or correlated with data on the card or other input mayenable the ATM to retrieve or determine a private network address,encryption key, digital certificate, or other information associatedwith the headphones of the consumer, which may be used by the ATM toestablish secure and private communications with head phones or otherwireless devices of the consumer.

In further alternative exemplary embodiments, the handshaking protocolbetween the ATM and the wireless headphones or other receiving deviceused by the consumer may be based on a biometric input received from theconsumer currently accessing the ATM. Such biometric input for examplemay include a fingerprint scan, facial recognition system or otherbiometric scan of the consumer. The ATM may then selectively sendprivate wireless audio signals only to that set of headphones which isoperatively configured with information that corresponds to thebiometric input corresponding to the particular user.

As discussed previously, exemplary embodiments of automated bankingmachines such as ATMs may output verbal instructions in response toalphanumeric text messages 54. Such ATMs may include a text-to-speechdevice 62 and/or text-to-speech software which is operative to convertthe alphanumeric text messages 54 to verbal audible outputs. Asdiscussed previously, such alphanumeric text messages 54 are alsoreferred to herein as text-to-speech data.

The text-to-speech data may be stored in a local data store of themachine. For example, in one exemplary embodiment, text-to-speech datamay be included in one or more files stored on a hard drive of themachine. One or more of the text-to-speech files may be associated withvisual screen data 52 also stored on the machine for use with generatingvisual outputs through the display device of the machine. In exemplaryembodiments, screen data 52 may specify which text-to-speech files toaccess for use with generating audible outputs during the display of thevisual outputs.

In exemplary embodiments, the text-to-speech data may be transferred tothe machine from a remote server such as a host banking system.Although, in exemplary embodiments, host banking system software may beupdated to accommodate the transfer of text-to-speech data to ATMs,alternative exemplary embodiments may include an alternative method ofusing existing or legacy host banking systems to transfer text-to-speechdata to an ATM. Such a method may include providing monitoring softwareon the ATM which is capable of detecting and retrieving text-to-speechdata from legacy messages originally designed for other types of ATMconfiguration data.

For example, legacy ATM protocols such as Diebold 91x may includemessages which are operative to transfer screen data to ATMs from a hostbanking system. Such legacy protocols for transferring screen data mayinclude attributes which are associated with or are used to label thescreen data being transferred using the protocol. Examples of suchattributes associated with screen data messages may include a screenname/number and a bank number.

An exemplary embodiment of the described monitoring software may beoperative to monitor one or more of such attributes in the screen datamessages. Screen data messages which include text-to-speech data mayinclude predefined values for one or more of these attributes which themonitoring software is operative to recognize as indicating that thescreen data message includes text-to-speech data. When such predefinedattributes are detected the monitoring software is operative to read thetext-to-speech data from the screen data messages and store thetext-to-speech data on the machine.

In an exemplary embodiment the attributes used to indicate the presenceof text-to-speech data in the screen data messages may also be used tospecify, label, or describe features of the text-to-speech data. Forexample the attributes may be used to identify the human languageassociated with the text-to-speech data (e.g. English or Spanish). Suchattributes may also provide information usable by the monitoringsoftware to label or name the text-to-speech data.

For example, the following data may be included in a screen data messagesent to an automated banking machine from a host banking system:

-   -   015 900 [E]_(—)000 Please select your transaction. For a        withdrawal press 1. To make a deposit, press 2. To transfer        money, press 3

An exemplary embodiment of the monitoring software may be operative tomonitor the attribute associated with the bank number for values whichindicate that the screen data message includes text-to-speech data. Inthis described exemplary embodiment, bank numbers greater than or equalto 900 are used to specify that text-to-speech data is present in themessage. When bank numbers greater than or equal to 900 are detected bythe monitoring software, the monitoring software may be operative to usethe information provided in the screen data message to generate atext-to-speech file.

In an exemplary embodiment, the text-to-speech file generated may beplaced in a predetermined and/or configurable directory on the machine.In other exemplary embodiments, the text-to-speech file may be placed ina directory specified by the screen data in the message. For example, inan exemplary embodiment the bank number may be used to specify a name ofa directory on the hard drive of the machine to store the text-to-speechfile. Each directory may correspond to a different human language, sothat all text-to-speech files stored in a particular directorycorrespond to the same human language.

In the above example, the screen data message includes the bank numberof 900. In exemplary embodiments, a bank number with a value of 900 maycorrespond to a human language such as English. Also, in such exemplaryembodiments, a bank number with a value of 901 may correspond to anotherhuman language such as Spanish.

When the screen data is associated with the bank number with the valueof 900, the monitoring software may be operative to generate and store acorresponding text-to-speech file in a directory reserved for Englishlanguage text-to-speech files. Whereas, when the screen data isassociated with the bank number with the value of 901, the monitoringsoftware may be operative to generate and store a correspondingtext-to-speech file in a directory reserved for Spanish languagetext-to-speech files.

In one exemplary embodiment, text-to-speech directories may includenames which correspond to all or portions of the bank number or otherattribute which are used to specify the human language of thetext-to-speech data. For example, text-to-speech files may be placed ina directory with a name that corresponds to one or more of the digits ofits associated bank number. Thus text-to-speech files associated withthe bank number of 900 may be placed in a directory with a name such as“lang000,” while text-to-speech files associated with the bank number of901 may be placed in a directory with a name such as “lang001.”Likewise, text-to-speech files associated with the bank number of 902may be placed in a directory with a name such as “lang002.” In thisdescribed exemplary embodiment, one or more of the digits or othercharacters which distinguish between the different bank numbers or otherattributes may be used in the name of corresponding directories used tostore the text-to-speech files.

In exemplary embodiments, other data or attributes associated with thescreen data message may be used by the monitoring software to generate aname for the generated text-to-speech file. For example, in the aboveexample, the screen data message includes a screen name attribute with avalue of “015.” This screen name may be included in the name of thegenerated text-to-speech file. Also, in the above example, the screendata following the bank number includes a letter “E” in brackets. Themonitoring software may also be operative to identify the letter betweenthe brackets following the bank number and use the identified letter inthe name of the file.

As a result, the corresponding file name generated by the monitoringsoftware from the above example of a screen data message may include thecharacters “E015.” In exemplary embodiments, the monitoring software mayinclude other characters in the file names such as a descriptive prefixand extensions. In one exemplary embodiment, generated text-to-speechfiles include a prefix such as “TT” and an extension such as “htm.” Forthe above example of screen data, the corresponding text-to-speech filename would be “TTE015.htm.”

In exemplary embodiments, the monitoring software may be operative togenerate text-to-speech files which include HTML tags, Java script, VBscript, XML, and/or other code which is operative to cause the ATM togenerate audible outputs responsive to the text-to-speech data stored inthe file. For example, in the above example, the screen data followingthe brackets may correspond to text-to-speech data. The monitoringsoftware may be operative to place this text-to speech data in an HTMfile along with HTM tags, Java script and/or other interpreted codewhich is operative to cause the ATM to process the text-to-speech datawith text-to-speech devices 62 and/or software on the machine.

In one exemplary embodiment, the HTM text-to-speech file may referencean Active X control or other external software. The ATM may include abrowser or other HTML responsive software which is operative to read theHTM text-to-speech file and in response to the file access and/or sendthe screen data as an argument to an ActiveX control. The ActiveXcontrol may be programmed to accesses and/or cause the text-to-speechdevice or software of the ATM to convert the text-to-speech data tocorresponding audible outputs.

In the above example, the text-to-speech device and/or software wouldoutput verbal instructions representative of the spoken command “Pleaseselect your transaction. For a withdrawal press 1. To make a deposit,press 2, To transfer money, press 3.”

In an exemplary embodiment, the text-to-speech data may includeadditional attributes which are not intended to be spoken but areintended to configure the operation of the text-to-speech device and/orsoftware. In the above example, the screen data begins with the fourcharacters “_(—)000.” The text-to-speech device and/or software may beresponsive to these characters to determine which human language to usewhen generating verbal instructions from the text-to-speech data. Forexample, the beginning characters “_(—)000” may correspond to the humanlanguage English. As a result, the text-to-speech device and/or softwaremay convert the subsequent text-to-speech data to audible outputs whichcorrespond to an English pronunciation of the text-to-speech data.

In the exemplary embodiment, the terminal control software of themachine may be operative to access the text-to-speech files responsiveto screen data files. Thus, when the ATM produces a visual outputresponsive to a particular screen data file, the screen file mayreference an associated text-to-speech file which describes the featuresof the visual output.

With the above described exemplary embodiment, both visual screen dataand associated text-to-speech data can be updated on an ATM usingstandard or legacy ATM protocols and messages from a host bankingsystem. In addition, for each state of an ATM, screen data andassociated text-to-speech data may be downloaded to the computer in theATM in multiple languages. Depending on the language preference of theuser operating the machine, terminal control software in the ATM isoperative to access the screen data and text-to-speech data whichcorresponds to the language preferred by the user.

In further exemplary embodiments, the monitoring software may beoperative to monitor screen messages for the presence of screen data andresponsive thereto, save the screen data in an ASCII text format orother format in a single display screen file on the hard drive of theATM. Further, the monitoring software may be operative to monitor forthe presence of state messages from a host banking system. Themonitoring software may be operative responsive to the detection ofstate message to retrieve state information from the messages and storethe state information in a single state file.

In further exemplary embodiments, the monitoring software may beoperative to store screen data that comes from a host banking machine ina Diebold® open account relationship (OAR) message or as part of ascreen update data field in a function command message.

In exemplary embodiments, HTML code accessible to the ATM for generatinguser interfaces for operating the ATM may include the use of the “^”symbol or other symbol or tag which causes an HTML responsive program(such as a browser) to access one of the described text-to-speech,display screen, or state files generated by the monitoring software.

For example HTML code for generating a user interface may include thecommand ^0154. The “A” symbol may be detected by browser accessing theHTML code and in response thereto the browser may access atext-to-speech file such as “TTS154.TXT” from the appropriate languagedirector such as lang000. The text-to-speech file “TTS154.TXT” may havebeen created by the monitoring software responsive to a screen messageas discussed previously. In another example, the “^” or other symbol ortag may reference a display screen file generated using the monitoringsoftware such as the display screen file “SCR035.txt.” The data from thedisplay screen file may be incorporated into a visual display screengenerated by the ATM. By referencing such text-to-speech, visual displayscreen, or state files from HTML code, the ATM can be dynamicallyupdated to display visual or to output audible informationrepresentative of different surcharge amounts, or low bill denominationswithout having to alter the programming of the host system software.

A further exemplary embodiment may include a sound configurationsoftware component which is operative to aid a technician with theprocess of configuring an ATM to provide audible outputs with verbalinstruction. In one exemplary embodiment, the sound configurationsoftware may be located on a portable medium such as a CD/DVD disk orother storage medium. The portable medium may be placed in acorresponding reading device of the ATM (e.g. CD/DVD reader) and thesound configuration software may be executed from the portable medium.

In an exemplary embodiment, the sound configuration software may beoperative to configure and/or update an ATM to include sound softwareand/or data necessary to enable the ATM to generate audible outputs withverbal instructions. Such sound software may include text-to-speechsynthesizer software, the previously described monitoring software,and/or any other sound system related software or data.

The sound configuration software may also be operative to copy from theportable medium verbal instruction data (e.g., text-to-speech files, WAVfiles, and/or MP3 files) which corresponds to display screens providedby the ATM which are not typically retrieved from a host. For example,ATMs may include an off-line screen if the ATM is powered on withouthaving a communication connection with a host banking system. ATMs mayalso include an out of service screen if they have communication withthe host established but have not received screen messages from thehost. ATMs may also include screens to handle situations where atransaction will require a particular device which is currently beingserviced or where the device requires interaction with the user. Forthese described screens, the sound configuration software may beoperative to copy from the portable medium verbal instruction data tothe ATM which is operative to cause the ATM to generate audible outputswhich verbally describe for these screens.

In addition, manufacturers of ATMs often produce many different modelsof ATMs with different physical shapes and sizes. Different models mayhave the display screen, keypad, cash dispenser, and other devicespositioned in different locations with respect to each other. Further,even for the same model of ATM, the positions of some devices may belocated in a plurality of different positions depending on thepreferences of the owner and/or operator of the ATM.

Because the audible outputs from the ATM may include verbal instructionswhich describe the location of the devices on the ATM, different ATMsmay require verbal instruction data which is customized to the physicalconfiguration of the ATM.

In this described exemplary embodiment, the sound configuration softwaremay cause the computer of the ATM to output a tutorial which prompts thetechnician to input information representative of what devices areinstalled on the ATM and/or where on the ATM the devices are located.For example, not all ATMs include a depository mechanism or coindispenser. Thus, an exemplary embodiment of the sound configurationsoftware may query the technician to determine whether a depositorymechanism or a particular type of cash dispenser, such as a coindispenser is present. If a depositary mechanism is determined by theconfiguration software to be present, the sound configuration softwaremay further query the technician to determine the location of thedepositary mechanism relative a fixed point such as the screen or otherlandmark on the ATM.

In exemplary embodiments, the sound configuration software may furtherquery the technician as to the type of devices installed on the ATM. Forexample, ATMs may include different types of card readers such as amotorized internal reader, swipe reader, vertical DIP reader, orhorizontal DIP reader. An exemplary embodiment of the soundconfiguration software may be operative to prompt the technician toselect which type of card reader is installed.

Based on the answers provided by the technician, the sound configurationsoftware may copy data files from the portable medium to the hard driveof the ATM which are operative to correctly configure the ATM to provideaudible outputs customized to the physical configuration of the ATM. Asa result, after the sound configuration software has configured the ATM,the ATM may be operative to provide audible outputs with verbalinstructions which accurately describe the locations of devices (e.g.,“to the right of the monitor”) and their method of use (e.g., “insertcard” or “swipe card vertically”).

In an exemplary embodiment, the answers provided by the technicianassociated with the location and/or type of devices installed on the ATMmay be stored in a data store on the ATM. A tutorial included with thesound configuration software may present configuration options for thesound software being configured responsive to the data in this datastore. In exemplary embodiments, this data store may remain on the harddrive of the ATM. Thus the next time the sound configuration software isexecuted from the portable medium, the tutorial may proceed using thedata provided by the technician previously rather than forcing thetechnician to re-answer each question regarding the location and/or typeof devices on the ATM. However, exemplary embodiments of the soundconfiguration software may also enable the technician to update the datastored in the data store as needed.

In further exemplary embodiments, the portable medium may be customizedfor different customers of the manufacturer of the ATMs. For example, acustomer may have a relatively small set of combinations of ATM modelsand associated devices. For this customer, a custom portable medium maybe created which includes sound configuration software which prompts theuser with questions specific to the range of ATM models and associateddevices the customer is expected to have. Thus, if the customer only hasmotorized internal type card readers, the sound configuration softwareon the customer specific portable medium may be operative to not promptthe technician as to the type of card reader installed on the ATM.Further, the customer specific portable medium may include audibleoutput data which generates audible outputs specific to the customer.For example, a text-to-speech file associated with a welcome screen ofthe ATM may include the name of the customer (e.g., “Welcome to BankXYZ”).

An alternative embodiment of an ATM 370, shown in FIG. 15, includesalternative ways for users of the machine to provide inputs thereto forpurposes of conducting transactions. ATM 370 is generally similar to ATM10 previously described, except as specifically indicated. ATM 370includes an item 372 which is movably mounted in supporting connectionwith the ATM. In the exemplary embodiment, item 372 comprises a movablemember comprising a knob which is rotatable about its central axis andwhich is also movable axially by a consumer operating the ATM. It shouldbe understood, however, that knob 372 is exemplary of many differenttypes of items and movable members which may be used in certainembodiments.

In the exemplary embodiment, the knob 372 is in operative connectionwith one or more computers in the ATM. In addition, in the exemplaryembodiment, the knob is operatively connected to an encoder forindicating rotational position, at least one switch for sensing axialmovement, and at least one solenoid and brake device. Of course thesedevices are exemplary and other or different device types may be used.These devices are operatively connected to the computer for purposes ofindicating to the computer the rotational and axial positions of theknob. In addition, solenoid and brake devices are operative to provideoutputs which can be manually perceived by a user who is touching theknob. Such perceptible outputs may include, for example, perceivedvibratory “clicks” as the knob is rotated through angular positionincrements. In addition, the brake mechanism may be used to limitrotational travel of the knob and/or to provide changes in theresistance to rotation that a user encounters in rotating the knob. Suchchanges in perceptible vibratory properties as well as rotationaldisplacement may be used to facilitate receiving user selections in amanner later described.

In the exemplary embodiment, the knob 372 does not include positionmarking such as gradation or scale markings thereon, or any suchindicators adjacent thereto. This is done in the exemplary embodiment tofacilitate the multi-function purposes served by the knob 372, as wellas to reduce the risk of the interception of inputs that a user mayprovide through the knob.

In exemplary ATM 370, the knob 372 can be used as a substitute for thekeypad and/or function keys on the ATM. The knob 372 may be used byblind users who operate the machine through voice guidance.Alternatively, the knob 372 may be used by sighted users who couldotherwise operate the machine through manual inputs to other inputdevices. In some embodiments, the ATM 370 may be provided with audibleoutput devices such as speakers, headphones, or a handset so that userswho do not bring their own audio listening devices to the machine arenonetheless able to operate the machine in response to audible outputsgenerated responsive to the computer in the machine. Alternatively insome embodiments, the outputs from the machine may be provided throughRF, IR, or other signals which are transmitted and which can beperceived by the user through the use of a suitable receiving device.

In operation of the exemplary ATM 370, a user inserts their card such asa debit or credit card into the card reader 26 so that indicia on thecard is read through operation of the machine. As previously discussed,the user may be prompted to insert their card into the slot visualoutputs through the display and/or by audible outputs through speakers,headphone, or handset. In addition, the ATM may operate responsive tothe programming of the computer to advise the user as to the location ofthe card reader slot relative to other components of the machine.

In the exemplary embodiment, responsive to the machine reading the card,the machine operates in accordance with the programming of the computerto indicate to the user that they must enter a multicharacter code suchas a PIN number. In the exemplary embodiment the multicharacter code maycomprise a plurality of letters and/or digits. It should be understoodthat for purposes of this disclosure the characters refer to letters,digits, numbers or other distinguishing symbols or items that can becomponents of a code.

In the exemplary embodiment, the user may be advised that they can inputtheir code through the keypad, or alternatively through the knob 372.The user may be instructed as to the location of the knob relative tothe card reader or other devices on the machine. The user may also beinstructed through audible and/or outputs to indicate that they wish touse the knob to provide selections by pushing inwardly on the knob orotherwise taking some distinct action with regard to the knob or otherinput device on the machine.

In the exemplary embodiment the user pushes inwardly on the knob, atleast one signal is generated by the attached switch and is received bythe computer indicating that the user has chosen to use the movable knobto provide selections. Responsive to this signal, the computer operatesin accordance with its programming to provide audible and/or visualoutputs indicating to the user that they should rotate the knob untilthe particular character that makes up their PIN is output audibly bythe machine, and that once the knob is moved to a position correspondingto the correct character, they should so indicate by pressing inward onthe knob. In addition, the user is instructed that the currentrotational position of the knob corresponds to a particular character,such as a particular digit, and that to select higher digits the usershould turn the knob in a first rotational direction, and to selectlower digits the knob should be turned in the opposite rotationaldirection. Further, in this exemplary embodiment, the user is instructedthat if they wish to input a code that includes letters rather thandigits, they should pull outward on the knob. If the user pulls outward,audible instructions are provided indicating that the current positionof the knob corresponds to a particular letter and to move higher in thealphabet the knob should be turned in a first rotational direction, andto move lower in the alphabet the knob should be turned in the oppositerotational direction. The user is further instructed that when thedesired letter which makes up their code is heard, they should press onthe knob.

The user, responsive to the audible instructions, rotates the knob asappropriate from the indicated starting position through a plurality ofrotational positions until the character corresponding to the firstcharacter of their PIN is audibly output. In an exemplary embodiment,the solenoid operates to provide a manually perceptible vibratory“click” as the knob is moved to each angular position, which causes thecomputer to output the audible indication of the next character. Thisfacilitates the user rotating the knob in a manner to quickly rotate theknob through a plurality of positions and to reach the desiredcharacter. Further in an exemplary embodiment, the computer may operateso as to cause the brake that is operatively connected to the knob tostop the knob's rotation when it has reached the end of the suitablerange of values which can be input. Alternatively in other embodiments,the computer may operate to provide the user with a perceptible “bump”or other vibratory or other tactile feature as the end of the range isreached, but may enable the user to continue turning the knob such thatthe next subsequent position is at the lowest end of the range. Ofcourse, these approaches are exemplary, and in other embodiments otherapproaches may be used.

In the exemplary embodiment when the user has rotated the knob through aplurality of positions such that the audible output corresponds to thefirst character of their PIN, the user presses inwardly on the knob. Thesignal produced by the switch in operative connection with the knobsends at least one signal to the computer indicating that the user hasinput the first character of their PIN. Responsive to this input, thecomputer operates in accordance with its programming to audibly indicateto the user that the ATM has received the first character of their PINand indicates what it is, and that they should now input the secondcharacter in the same manner.

Thereafter the computer causes an audible output to be provided,indicating a character corresponding to the current location of theknob, which in the exemplary embodiment is different from the characterthat the user has selected. The user then can rotate the knob through aplurality of positions until the second character of the PIN is outputaudibly to the user, and the user selects the second character of thePIN by pressing on the knob. The machine then operates in accordancewith its programming and in response to the user selecting the secondcharacter of their PIN to indicate that it has received the secondinput, indicate what it is, and to provide further instructions to inputthe third character of the PIN. Thereafter the ATM provides an audibleoutput indicating the character corresponding to the then-currentrotational position of the knob. This process is repeated until all thecharacters of the customer's PIN have been input.

In some exemplary embodiments, the computer is operative to select thecharacter corresponding to the then-current position of the knobrandomly. In this way, a criminal seeking to uncover the user's PINnumber will not know the starting character and will therefore not beable to determine the character which makes up the PIN from the observedextent of rotation of the knob. In addition, because the positions maybe varied responsive to programming of the computer, the degree ofrotation of the knob is also not necessarily an indication of thecharacter that the user has selected. Further in exemplary embodimentsthe computer may be programmed to vary the direction that the user isinstructed to turn the knob so as to go higher or lower in the range ofcharacters. This further makes it difficult for a criminal to determinewhat character has been input by the user. In exemplary embodiments thecharacters which may be selected using a movable item such as the knobare not limited to the same extent as with the keypad. Thus for example,a customer's code or PIN number may be comprised of two-digit values.The potential combination of two-digit values makes it much moredifficult for a criminal to determine a user's PIN number. Of course,these approaches are exemplary, and in other embodiments otherapproaches may be used.

In some exemplary embodiments it may be desirable to encrypt thecommunications which convey the characters which comprise the customer'sPIN to the audio output device used by the user. This may includeencoding the signals so that they cannot be readily intercepted bypersons who may have placed a surreptitious connection at an ATM oradjacent thereto. Different approaches may be used for encrypting anddecrypting these signals depending on the type of signals being used andthe transport media which provides the signals between the ATM and theuser's audio output device.

Alternatively in some embodiments the ATM may provide the user with anaudible output that indicates the starting position for the knob butdoes not provide the user with any audible or other outputs that can beintercepted related to the value corresponding to the position of theknob when it is pressed or otherwise manipulated to indicate theselected digit. For example a user may be audibly instructed at thestarting point for the knob is “5” and that the knob should be turnedclockwise to increase the value and counterclockwise to decrease thevalue. The user may then count silently the number of perceived clicksfrom the starting position either up or down until the knob is in aposition which corresponds to the user's selected PIN digit. The usercan then press the knob to indicate the selection. In this way the riskof the interception of PIN information is further avoided.

In further alternative embodiments the signals which correspond to theselections of the user input through the knob may be encrypted withinthe internal circuitry of the ATM. In this manner the componentsassociated with the knob may include circuitry holding or otherwise inconnection with one or more encryption keys. The encryption keys may beused to encrypt the user's inputs through the knob so that the risk ofinterception of the customer's inputs is reduced even if a criminalshould be able to obtain access to the interior of the ATM. In someembodiments the circuitry associated with the knob may be encapsulatedso that any efforts to tamper with or discover the encryption keystherein results in destruction of the keys and any other sensitive datathat may be stored within the circuitry associated with the knob. Instill other embodiments a provision may be made in the circuitryassociated with the knob to securely load and/or change the encryptionkeys which encrypt the user inputs. This may be done for example by amethod which uses public key encryption and a public and private keystored in the circuitry associated with the knob to reliably loadencryption keys from a trusted source through operation of at least onecomputer in the ATM. Once loaded from a trusted source the encryptionkeys that are loaded and used to encrypt the inputs through the knob sothat such inputs are less susceptible to discovery as they are passedand used within the computer or other components of the ATM. Of coursethese approaches are exemplary and in other embodiments other approachesmay be used.

Although the exemplary embodiment is particularly described for use inconnection with a blind user, alternative embodiments may also besuitable for use with sighted users. Such embodiments may provideoutputs that would normally otherwise be applied audibly to a privatelisting device either through speakers on the machine or through visualoutputs. In some cases sensitive information such as the values in acustomer's PIN entry may be suppressed and the user may mentallydetermine the PIN input values from an indicated reference position ofthe knob and the number of tactile clicks that it is moved.Alternatively in some embodiments private data may be displayed on theATM display or through another output device in a position where it isvirtually impossible for a non-authorized person to observe. For examplein some embodiments the characters corresponding to a current positionof the knob may be output in a portion of the ATM display that isinherently blocked by a user's body. When the desired character isreached and selected the character may disappear and/or be substitutedwith a place holder such as a star or other symbol. Alternatively insome embodiments indicia indicating the current position of the knob maybe output through display devices other than the normal ATM display.This might include for example a single character display positioned onthe knob that is normally shielded by both the user's body and theirhand as the knob is turned. Of course these approaches are exemplary.Other approaches that may be taken to facilitate operation of themachine to accept confidential data without the need for audible orother perceivable outputs that may be susceptible to interception.

In the exemplary ATM 370, a user is also enabled to select transactiontypes through manipulation of the knob 372. This is accomplished by theuser being provided with audible outputs after the user has input theirPIN, which indicate that the user can select a desired transaction typeby rotating the knob. In the exemplary embodiment, the ATM outputs atransaction type audibly to the user and instructs the user that if thisis the transaction type that they wish to conduct, to press on the knob.Alternatively, if the user wishes to select another transaction type,the user is instructed to rotate the knob until the desired transactiontype is output, and then to press on the knob. In the exemplaryembodiment, the user is enabled to select transactions of the typespreviously discussed, such as a cash withdrawal, deposit, or balanceinquiry. Of course, many different transaction types are possible atATMs.

As is the case with regard to entering the user's code, rotation of theknob to select a transaction type can be facilitated through the use ofperceptible vibratory outputs such as “clicks,” stops and/or changingresistance to rotation of the knob so as to guide the user to making anavailable transaction selection. Also in some embodiments the computermay operate to vary the rotational direction or other properties for theknob which correspond to different transactions. This may make it moredifficult for a criminal observing the machine to determine what type oftransaction the user plans to conduct.

In some alternative embodiments the knob or other input device mayprovide means for sighted users to input the type of transaction thatthe user would like to conduct. This may be done for example byincluding on the ATM display outputs which correspond to positions ofthe knob. Thus for example the ATM display may include iconscorresponding to a number of different transaction options as the userrotates the knob. The particular transaction option corresponding to thecorrect knob position may be highlighted or otherwise indicated. In thisway the user by rotating the knob can select any one of many possibletransaction options that are indicated on the screen. Alternatively insome embodiments the outputs through the screen may be supplemented withaudible outputs which indicate to the user the nature of the transactionoption currently corresponding to the position of the knob. Suchtransaction options may be also arranged in numerous ways on the screen.This may include arcuate arrangements of indicia as previouslydiscussed, or linear arrays of options which are highlighted as the knobis moved to different positions. In exemplary embodiments because of thenumerous possible angular positions of the knob it is possible to have alarge number of transaction options corresponding to different knobpositions. These transaction options may in many cases correspond to alarger number of options than would be possible using the function keysthat may be adjacent to an ATM display screen. Of course this approachis exemplary of approaches that may be used.

In the exemplary embodiment of ATM 370 the user is also enabled toselect an amount associated with the transaction type, through movementof the knob. For example, if the user has selected a cash withdrawal astheir transaction type, the computer may cause the machine to audiblyoutput to a user instructions indicating that to select the amount ofcash to be dispensed, the user should rotate the knob until the desiredamount of cash is heard and then to press inwardly on the knob. Inresponse, the user may rotate the knob through a plurality of positionswith a computer audibly outputting a dollar value as the knob moves intoeach position until the desired amount is heard by the user. Thereafterthe user presses on the knob to select the cash amount.

It should be understood that in the exemplary embodiments for othertransaction types, the computer may operate in a similar manner to havethe user provide amount inputs, but may also enable the user to inputboth dollar and cents amounts. For example, if the user is making adeposit the computer may operate to cause an audible output to be givento the user instructing them to rotate the knob until the dollar amountassociated with the deposit is output, and then to press on the knob. Inresponse to rotation of the knob and the ATM receiving the selection,the computer thereafter audibly instructs the user to rotate the knobuntil a numeral corresponding to the cents in the value of the depositis output. Thereafter, the user may rotate the knob until the centsvalue is output, and then the user presses on the knob. Of course theseapproaches are exemplary, and in other embodiments other approaches maybe used.

In some alternative embodiments the amount selected by a user may beindicated by outputs through the screen of the ATM. Thus for examplewhen the user is inputting an amount the ATM may visually through thedisplay and/or through audible outputs provide the amount. This mayinclude in some embodiments having the user indicate successive digitswhich make up the amount by turning the knob. Thus for example thescreen display of the ATM may begin by changing a digit corresponding tohundreds of dollars in response to a user turning the knob. The user canthen press the knob to indicate the digit corresponding to the hundredsvalue that corresponds to the amount being input. After the hundredsvalue is indicated by pushing the knob, the ATM may then modify thedigit corresponding to the tens value. Thereafter after the tens valueis input, the user may input the ones value and cents value. Of coursein some transactions it may not be appropriate for a user to inputcertain amounts. The programming of the at least one computer in the ATMmay prevent the user from selecting the values that are not possible forthe type of transaction selected. Alternatively in some embodiments anamount value may be indicated by the user turning the knob on themachine indicating increasing or decreasing amounts in response to theknob being turned. Thus for example an output through the screen and/orthrough an audio device may indicate a starting amount of $20 which theuser can change upward in $20 increments by turning the knob in aparticular direction. The user can turn the knob up or down tocorrespond to the desired value that the user wishes to have associatedwith the transaction. Again in some embodiments the indicated values maybe output through the display, an audible output device or both. Ofcourse various approaches to indicating amount values are possibledepending on the ATM hardware and the type of device for inputs beingused.

Returning to the discussion of the exemplary cash dispensing transactionwith the ATM 370, responsive to the user indicating the value of thecash that they wish to have dispensed, the computer in the ATM isoperative to send appropriate messages to the remote host computer thatis capable of authorizing the transaction. In the exemplary embodiment,the messages sent to the host computer include data representative ofthe user's card and PIN data, as well as the fact that the user hasrequested a cash withdrawal transaction and the amount thereof. The hostcomputer then checks if the card data corresponds to the PIN and if theuser is authorized to make a withdrawal in the amount requested. If thehost computer determines that the transaction is authorized, the hostcomputer returns one or more messages to the ATM, indicating that thecash should be dispensed. In response thereto, the computer in the ATMoperates in accordance with its programming to operate the cashdispenser so as to cause cash to be dispensed to the user. The computerin the exemplary embodiment also is operative to cause to be output tothe user audible and/or visual instructions indicating that the cash hasbeen dispensed and indicates to the user where on the user interfacethey should take the cash. Further in the exemplary embodiment, thecomputer is operative to cause the ATM to print a receipt for the userand to extend the receipt through the fascia of the ATM. Audible and/orvisual instructions may be provided to the user indicating the locationfrom which they should take their receipt.

In the exemplary cash dispensing transaction, the user is provided withaudible instructions indicating that if they wish to conduct anothertransaction, they should press inward on the knob 372. The user isfurther instructed that if they do not wish to conduct anothertransaction, they should turn the knob until an end transactionindication is given. If the user presses inward, the ATM operatesresponsive to the computer to enable the user to select anothertransaction type and amount in the manner previously discussed. If theuser chooses not to conduct another transaction, the computer isoperative to return the card to the user, the user is instructed to takethe card, and the ATM gives an audible indication of the location on thefascia from which the card may be taken. Of course, these approaches areexemplary and in other embodiments other approaches may be used.

In addition, the exemplary knob 372 interface may also be used to carryout other functions of the types previously discussed. For example, thecomputer may be programmed so as to provide audible outputs to the userindicating that they can increase or decrease the volume of the audibleoutputs by rotating the knob, or alternatively, moving the knob axially.In this way the user is enabled to set the volume of the audible outputsto their desired level. Alternatively or in addition, the computer maybe programmed to instruct the user that they can change the language ofthe outputs by providing selections through movement of the knob 372.Numerous types of selections may be provided to the user through use ofan interface of this type. In addition it should be understood that thecomputer may be programmed so as to enable a user to provide differentinputs through different types of input devices. For example, a user mayprovide certain selections to the ATM through use of the knob, whileother inputs are provided through the keypad or other input devices.Likewise various outputs may be made from the ATM visually and/oraudibly depending on the nature of the transaction and/or whether thetransaction is being conducted by a sighted or blind user.

A further useful aspect of some embodiments which use a movable item asan input device is that it may reduce the ability of criminals toelectronically intercept user inputs to the machine. For example,keypads sometimes produce distinctive signals indicative of the keyspressed. In some cases these signals can be intercepted by criminals whohave access to the interior of the machine. Alternatively, somecriminals may place a false keypad in overlying relation of the normalkeypad on the machine. This false keypad can be used to intercept userinputs. By using a movable item as the input device, the risk ofinterception may be reduced. This is because the character value orinstruction associated with the position to which the user has moved theknob or other item, is produced by operation of the computer itself. Theinterception of signals indicating rotation of the knob does notindicate the particular character. Further, it is much more difficult toplace an interception device in connection with a movable item on theATM fascia, such as a knob. However, even if it were possible to dothis, interception concerning movement of the knob or other item doesnot provide the criminal with an indication of the characters that theconsumer has input. In this manner, greater security for the code by ATMusers may be achieved. Alternatively as previously discussed the knob orother movable device used in some embodiments may be associated with anelectronic circuitry or other suitable device which encrypts the outputsfrom the module so as to further reduce the risk of interception.Various approaches may be taken depending on the nature of the inputdevice and the security needs under the particular circumstances.

FIG. 16 shows an alternative ATM 374. ATM 374 may generally be like theATMs previously described, except as specifically indicated. Forexample, ATM 374 may be an ATM having mechanisms and capabilities likethose shown in U.S. Pat. No. 6,749,111, the disclosure of which isincorporated herein by reference. Of course, this ATM structure ismerely exemplary.

ATM 374 includes a fascia which does not include a screen or othervisible output device. Rather, all users of ATM 374 operate the machinethrough audible instructions which may be received through the speaker376 or handset 378. ATM 374 also includes a card reader represented by acard reader slot 380, and a movable item which comprises a knob 382,which may be operated in a manner that previously described. ATM 374also includes an opening 384 through which cash is dispensed and itemsfor deposit are received. Of course it should be understood that othertypes of devices may be included or used in lieu of those specificallydiscussed. For example, in some embodiments a biometric type reader maybe used to identify a user or their accounts instead of a card reader.

In the exemplary form of ATM 374, sighted or blind users are promptedthrough audible outputs to input their card through the card reader 380.This may be done either through outputs from the speaker 376 or byprompting the user to pick up the handset 378 and then providing theaudible instructions through the handset. In an exemplary embodiment,once the handset 378 is removed from the holding cradle 386, thecomputer is operative to cause the speaker 376 to no longer provideoutputs.

ATM 374 may operate in the manner described in connection with ATM 370to cause the user to input selections through movement of the knob 382.In this exemplary embodiment both blind and sighted users can readilyprovide the characters in their code which makes up their PIN or otherinformation of a private nature, which is received by the ATM whileminimizing the risk of interception. Alternatively as previouslydiscussed this ATM may utilize the approach of providing the user eithervisually or audibly reference information concerning the position of theknob and thereafter the user may manipulate the knob the number of“clicks” or other increments from the reference position so as toprovide an input without the machine producing audible or visual outputswhich would indicate the character corresponding to the user's input.Also as previously discussed provision may be made through theprogramming of the one or more computers within the machine to outputcharacters or values corresponding to the position through outputdevices or other methodologies that are not susceptible to interceptionby anyone other than the particular authorized user standing at themachine.

Also in this exemplary embodiment rotational movement of the knob may beused to provide inputs corresponding to a user's desired transactionoptions and amounts. As can be appreciated, because exemplary ATM 374does not include many of the input and output devices that are used inconjunction with other types of ATMs, the cost associated with ATM 374may be reduced.

It should be understood that even though some exemplary embodiments havebeen described as using rotational items such as a knob that is movablerelative to the ATM as the device for providing user selections to theATM, other types of movable items and members may be used. These mayinclude, for example, movable levers, handles, or other members. Inaddition, while the knobs previously described are movable through aplurality of positions, each of which positions may correspond to anaudible or other ATM output, and are also used to indicate the user'sselection, other embodiments may use different items or devices forincrementing the selections and then indicating the particular selectionthat the user has made. This is represented, for example, by the leverarrangement 388 shown in FIG. 17. Arrangement 388 includes a movabletoggle 390. As can be appreciated, toggle 390 is an item that is movablerelative to the machine through a number of positions. Toggle 390 isgenerally rotatable about its generally vertically extending centralaxis responsive to pressing by a user's fingers in the areas disposedaway from such axis. Thus, for example, in an exemplary ATM in whichlever arrangement 388 is used, the ATM may audibly advise the user topress on the right side of the toggle to increment a selection upwardand to press on the left side of the toggle to increment downward, untilthe desired character selection, transaction amount, or other selectionis heard.

Once the desired audible selection is heard, the user can be instructedto press on an upper button, 392, to indicate that the audible output isthe one selected by the user. In addition, the user may be instructedthrough audible outputs in the machine that they can press the lowerbutton 394 to cancel a selection they have previously input if they findthey have made a mistake.

Of course, the lever/button arrangement is merely exemplary of anarrangement of one or more items that are movable relative to the fasciathat may be used for providing user selections to the ATM. Further, itshould be understood that although audible outputs provided through aheadset, handset, speaker or similar device have been discussed withexemplary embodiments, other embodiments may use other types ofnonvisible outputs that are perceivable by a user.

Referring again to FIG. 15, in another exemplary embodiment knob 372 isin operative connection with one or more computers in ATM 370. Knob 372is further operatively connected to an encoder for indicating rotationalposition, a switch for sensing axial movement, and a solenoid and brakedevice. These devices are operatively connected to the computer forpurposes of indicating to the computer the rotational and axialpositions of the knob. The solenoid and brake devices are operative toprovide perceptible outputs which can be perceived by a user who istouching the knob as in previously discussed embodiments.

In this exemplary embodiment, perceptible outputs associated with therotational position of knob 372 correspond to the digits “0” through“9”. In this exemplary embodiment, as a user rotates knob 372 in a firstangular direction, the rotational position associated with the digit “9”is attained. To inform the user that “9” has been reached, the solenoidand/or brake devices are employed to provide a nonvisual output. In thisexemplary embodiment, the output is an increased resistance to furtherrotation of knob 372. In like manner, as a user rotates knob 372 in asecond, opposite angular direction, eventually the rotational positionassociated with the digit “0” is attained. To inform the user that “0”has been reached the solenoid and/or brake devices are employed toprovide a nonvisual output such as a tactile sensation that imitates aphysical stop. In this exemplary embodiment, other nonvisual outputsperceptible to a user are associated with the remaining digits. Thus, auser is assisted in selecting appropriate inputs to the machine.

In another exemplary embodiment, the rotational position associated withthe digit “5” is provided with a unique nonvisual output in order toallow a user to readily ascertain the rotational position. The uniquenonvisual output may be a manually perceptible vibration or buzz. Theoutput associated with the digit “5” may function as a manuallyperceptible indicator in much the same way as the bump on the 5 on akeypad or the raised portions on the “f” and “j” keys on a computerkeyboard. Thus, a user may readily ascertain a rotational position ofthe knob 372 and the digits to which the positions are associated. Ofcourse as previously discussed in some embodiments the machine may varythe physical position that corresponds to a particular character orvalue responsive to operation of the computer.

In yet another exemplary embodiment, the ATM 370 may operate responsiveto the programming of the computer in a first mode wherein therotational position of knob 372 corresponds to the digits “0” through“9” as disclosed above and in a second mode wherein the rotationalposition of knob 372 corresponds to various command choices. The commandchoices can include commands such as “enter” or “cancel.” Alternately,or in addition, the command choices may include transaction typeselections such as “withdrawal”, “deposit”, “account balances” and thelike.

In this exemplary embodiment, the ATM 370 may operate responsive to theprogramming of the computer to change between first and second modesthrough rotation of knob 372. In the exemplary embodiment, the computeris programmed to provide the knob with two angularly disposed zonesseparated by a manually perceptible effect called a “hill.” For example,when the computer operates in the first mode, rotation of the knob 372to the left may lead to the “0” position, which is perceptible by thetactile sensation of a stop preventing further rotation as describedabove. Rotation of the knob 372 to the right would lead to a series ofperceptible vibrations or “clicks” each corresponding to a value up tothe “9” position. Further attempted rotation beyond the “9” positionresults in an increased resistance to rotation. In this exemplaryembodiment, continued rotation of knob 372 to the right encountersinitial increased resistance to rotation followed by a sharp decline inresistance to rotation. This movement of the rotatable member “over thehill” of resistance causes the computer to operate in the second mode.In the second mode, rotational positioning of knob 372 corresponds tocommand and/or transaction options.

In order to provide a user with manually perceptible information aboutwhich mode the computer is operating in, in this exemplary embodiment,the outputs provided in the first mode may be perceptibly different thanthe outputs provided in the second mode. For example, in the first mode,when the outputs are associated with digits, the outputs may be“closer,” meaning that sequential outputs are generated at smallerintervals of rotation, whereas in the second mode, sequential outputsmay require a greater degree of rotation of knob 372. In other exemplaryembodiments, the outputs in the first mode may include, for example, afirst vibratory action, and the outputs in the second mode may include adifferent vibratory action. In other exemplary embodiments, outputs inthe first mode may include vibratory signals and outputs in the secondmode may include audible signals.

FIGS. 18 through 21 disclose exemplary screen outputs from ATM or otherself service terminal that uses a knob or other movable item to provideinputs. The output shown in FIGS. 18 through 21 may be output responsiveto operation of a computer through a display such as a CRT or LCD typedisplay which provides visual outputs to users of the machine. Thedisplay outputs indicated may be accompanied by audible outputs in someembodiments. Of course it should be understood that in some embodimentsthe visual displays indicated may differ or not be output at all insituations when the machine is operated by a blind user who receivesinstructions through a personal audio listening device such asheadphones that can be operatively connected to the ATM.

FIG. 18 shows a screen output that may be associated with the input of acustomer PIN. At least one computer in the ATM is operative to provideaudio outputs to indicate to the user the character, such as a numeralassociated with the initial position of the knob. The user can thenrotate the knob from a rotational position then indicated on the screento place the knob at a position corresponding to a user's PIN digit. Aninput can then be provided by the user pushing inwardly on the knob. Aspreviously discussed in some embodiments the screen may actually providea numerical output indicative of the value corresponding to the currentknob position. However in alternative embodiments no individualcharacter outputs may be provided on the display and the user maydetermine the character corresponding to the current knob position basedon landmarks associated with the various rotational positions. Thesemanually perceptible landmarks may include for example a vibratoryoutput when the knob is in the “5” position. This is indicated in FIG.18 by the squiggle symbol adjacent to the “5” symbol. Resistance tomovement counterclockwise may be encountered when rotation is attemptedbeyond the “0” position. Likewise resistance may be encountered whenrotation clockwise is attempted beyond the “9” position. In theexemplary embodiment manually perceptible “clicks” are provided throughthe knob responsive to operation of the computer each time the knob ismoved rotationally to a different position. As a result by manuallysensing the landmarks a user is enabled to determine the valuescorresponding to a current position and to press the knob to select thevalue.

In some alternative embodiments the visual display may also includeletters associated with various rotational positions. In this manner auser who has a PIN that is based on alphabetical characters may provideinputs. Likewise in some embodiments indicia may be provided through thescreen indicating both numerical and alphabetical values associated withpositions of the knob. Such associated numerical and alphabeticalcharacters in some embodiments may be similar to those associated withthe characters presented on a touch tone phone. In this matter a user isenabled to input alphabetical and numerical characters to provide a PINto the ATM.

In the exemplary embodiment the user who has input their PIN is enabledto indicate the completion of their PIN input by turning the knobclockwise beyond the “9” position. As previously discussed in theexemplary embodiment the user encounters a resistance “hill” andeventually the knob reaches a position where changes of the rotationalposition of the knob correlate to transaction options. For example shownin FIG. 18 when the user has moved the knob to the angular region wherepositions of the knob correspond to transaction selections, the user isenabled to select between three options. These options include “OK,”“clear,” and “cancel transaction.” When the user rotates the knobthrough positions “beyond the hill” these options are selectivelyhighlighted. By pressing the knob inward when the “OK” is selected thePIN is submitted and the computer will eventually use it to submittransaction data to a host. When the user believes that they have inputtheir PIN correctly, they can select the “clear” option. When the userdoes not wish to conduct a transaction they can select the “canceltransaction” option. In response to this selection the at least onecomputer in the ATM will close the session and return the ATM user'scard.

If the user has selected the “OK” option in an exemplary embodiment, theuser is then presented with a screen which includes a number ofdifferent transaction options. These transactions may include forexample, cash withdrawal, bill payment, balance inquiry, transfer fundsbetween accounts or other options. As the user rotates the knob theindicia corresponding to the various options are selectively highlightedto visually distinguish the option corresponding to the then currentposition of the knob. Pressing the knob indicates that the user wishesto conduct the type of transaction associated with the then highlightedoption. Of course this approach is exemplary.

In the exemplary embodiment once the user has selected a transactionoption the at least one computer in the ATM is operative to present theuser with addition outputs and possible selections as is appropriate forthe selected option. Thus for example if the user has selected toconduct a withdrawal, the at least one computer may present a screenwhich asks the user what account they wish to withdraw the money from.The options may include for example, checking or savings. By rotatingthe knob, the various selections may be highlighted or otherwisedesignated. Pressing the knob indicates that the user wishes to proceedwith the highlighted selection.

FIG. 19 shows an exemplary display output when the user has selected awithdrawal from checking. With this output being presented the userturns the knob to manually input numerical values corresponding to theamount that they wish to withdraw. The user does this by turning theknob. As the knob is turned a numerical value is correspondingly changedon the screen. For example if a user wishes to withdraw $150 as shown,the knob is turned so that the characters “1,” “5,” and “0” aresequentially input. As previously mentioned, in some embodiments the atleast one computer in the ATM may be operative to prevent the entry ofcertain amounts that the machine is not capable of handling. Likewisethe computer may be programmed to impose maximum or minimums ofparticular values depending on the type of transaction.

In accordance with the exemplary embodiment associated with FIG. 19 oncea user has input the amount, the user can choose to enter the amount andmove to the next transaction step, clear it, return to an earlier step,return to the main menu or cancel the transaction. The user can inputthese selections by turning the knob out of the numerical input regionuntil the various options are highlighted. Pushing the knob causes themachine to execute the highlighted option. In some exemplary embodimentsmanually perceptible resistance may be imposed electronically on theknob so that the user is aware that they are moving to different areaswhere different options are available.

For example if at the position shown in FIG. 19 the user rotates theknob so that the “enter” option is highlighted and the user then pushesthe knob, the machine will then proceed to communicate with a host, andif the transaction is authorized, dispense cash in the amount the userhas selected. The machine will also operate in accordance with itsprogramming to carry out the other associated functions such as to printthe user a receipt. The user will then be asked whether they wish toconduct another transaction and the user may respond by movement of theknob. Of course this approach is exemplary.

As previously discussed another option that a user of the exemplarymachine may have among various transaction options presented is to pay abill. If the user selects such an option, an exemplary embodiment maypresent a display output similar to that shown in FIG. 20. FIG. 20 showsindicia corresponding to numerous types of bill payment options. Theuser can select one of these options by rotating the knob so as toindicate the particular type of bill payment desired. The optioncorresponding to the then current rotational position of the knob isvisually distinguished on the display. This may be done by highlightingthe indicia, but other approaches may be used. Pressing on the knob withthe particular selection highlighted causes the machine to proceed tothe next step of the transaction sequence. It should be appreciated thateach of the numerous possible rotational positions of the knob in theexemplary embodiment can provide the user with large numbers of possibleselections and transaction options. These transaction options may besubstantially greater than those that are possible through function keysadjacent to an ATM screen. In addition the layout of the transactionoptions can be varied on the screen to facilitate user selection. Inaddition as can be appreciated in FIG. 20, the user is also enabled inthe exemplary embodiment to turn the knob to a position so that they cancancel a transaction or return to the main menu.

As can be appreciated transaction selections such as bill payment whenselected by the ATM user will result in the user being presented withfurther selections. These may include for example a request to indicatethe source of the funds which will be used to make the payment. This mayinclude for example a screen in which a user selects between checking,savings or credit card accounts for example. Of course this approach isexemplary.

Once the user has selected the source of the funds the at least onecomputer in the ATM may operate to present an output to the user inwhich they are prompted to input the amount of the bill being paid. Thiscan be accomplished by the user turning the knob to input theappropriate numerical value. As reflected in FIG. 21, the user can enterthe value, clear it, cancel the transaction or return to priortransaction steps. Of course in some embodiments the ATM may includedevices for reading or accepting the various types of bills or otherdocuments associated with the particular type of transaction beingconducted.

As the foregoing exemplary embodiments show, the use of a rotatable knobor other movable member can be used to provide inputs that correspond totransaction selections, numerical values and alphabetical characters.The knob with electronically controllable manual feedback features ofthe exemplary embodiment can also be used to provide manual outputs tothe user so as to facilitate navigation between the various possibleinput selections. In addition as can be appreciated, in the exemplaryembodiment the various manually perceptible landmarks, gradations,limits and other manually perceptible outputs may be generatedelectronically to suit the particular interface design. The ability tointegrate such manual feedback with visual and/or audible prompts to theuser enables providing a user interface that is more readily understoodand navigated by the user. Of course the approaches described areexemplary and in other embodiments other approaches may be used.

A further aspect of some exemplary embodiments is that the visualoutputs provided by the ATM may be in the nature of animations thatcorrespond to movements of the knob or other device by a user. Generallyin ATM transactions using other types of input devices ATMs will providescreen outputs that are static. When the machine moves to a differenttransaction step or state, a different appropriate static screen outputis presented.

In the exemplary embodiment the animation programming features such as aFlash media environment may be used to provide animated screen outputsthat correspond to movement of the knob or other input device. Forexample programming may be conducted for a browser based environmentwith .swf extensions so as to provide animated outputs on the screen.These animated visual outputs may move continuously as the user movesthe knob so as to provide the user with a feeling that they are actuallycontrolling the display. For example as previously discussed, in theexemplary embodiment the user rotates the knob and highlights thetransaction selections. In embodiments where the display outputs includeanimation, the outputs can show movement of an indicator between onetransaction selection and another. This is in contrast to static typeselections where visual outputs will abruptly jump between one outputand another. This sensation by the user that they are actuallycontrolling aspects of the screen output continuously with movement ofthe knob or other movement device, provides additional opportunities toprovide a user interface that is readily understood even by individualsthat have never used the machine previously.

Likewise in some embodiments the programming of the at least onecomputer in the ATM may provide animated display outputs whichfacilitate a user's understanding of the machine. These may include forexample, the display of moving disks which suggest to a user the mannerin which to rotate the knob so as to achieve a particular result.Likewise the indicator for particular input characters that result in avibration of the knob may likewise visually simulate the vibrationthrough an output on the screen. Other aspects of the visual outputs maybe provided as is appropriate for facilitating operation of the ATM.

Of course it should be understood that these described approaches areexemplary and in other embodiments other approaches may be used.

Thus, the new automated banking machine system and method of the presentinvention achieves one or more of the above stated objectives,eliminates difficulties encountered in the use of prior devices andsystems, solves problems and attains the desirable results describedherein.

In the foregoing description certain terms have been used for brevity,clarity and understanding, however no unnecessary limitations are to beimplied therefrom because such terms are used for descriptive purposesand are intended to be broadly construed. Moreover, the descriptions andillustrations herein are by way of examples and the invention is notlimited to the exact details shown and described.

In the following claims any feature described as a means for performinga function shall be construed as encompassing any means known to thoseskilled in the art to be capable of performing the recited function, andshall not be limited to the features and structures shown herein or mereequivalents thereof. The description of the exemplary embodimentincluded in the Abstract included herewith shall not be deemed to limitthe invention to features described therein.

Having described the features, discoveries and principles of exemplaryembodiments, the manner in which it is constructed and operated, and theadvantages and useful results attained; the new and useful structures,devices, elements, arrangements, parts, combinations, systems,equipment, operations, methods and relationships are set forth in theappended claims.

1. Apparatus comprising: an automated banking machine including: atleast one computer, and at least one user interface device, wherein theat least one user interface device is in operative connection with theat least one computer, wherein the at least one computer is operative toprovide to a machine user through machine user manual contact with theat least one user interface device, at least one nonvisual tangibleoutput.
 2. The apparatus according to claim 1 wherein the automatedbanking machine further includes at least one reader device, wherein theat least one reader device includes a card reader device operative toread card user data received from a machine user, wherein the at leastone reader device includes a biometric reading device operative to readbiometric user data received from a machine user, wherein the at leastone computer is operative to cause read user data to be compared withinformation in a data store, wherein a machine user is authorized to usethe automated banking machine to carry out a transaction responsive tocorrespondence between read user data and data store information,wherein the automated banking machine is adapted to permit an authorizedmachine user to reallocate money among various financial accounts. 3.The apparatus according to claim 1 wherein the at least one computer isoperative to cause the at least one user interface device to producedifferent nonvisual tangible outputs.
 4. The apparatus according toclaim 3 wherein the at least one computer is operative to cause the atleast one user interface device to produce manually perceivablevibratory actions, wherein the vibratory actions include a firstvibratory action and a second vibratory action, wherein vibrationproduced in the second vibratory action differs from vibration producedin the first vibratory action.
 5. The apparatus according to claim 1wherein the at least one user interface device comprises a manuallyoperated interface device.
 6. The apparatus according to claim 5 whereinthe at least one user interface device comprises a hand-operated device.7. The apparatus according to claim 6 wherein the hand-operated deviceis operative to produce a manually perceivable resistance to handoperation thereof.
 8. The apparatus according to claim 7 wherein thehand-operated device is operative to produce a manually perceivablechange in resistance to hand operation thereof, wherein the change inresistance comprises a manually perceivable change in resistance torotation of the hand-operated device.
 9. The apparatus according toclaim 7 wherein the resistance comprises a first resistance, wherein theat least one user interface device is operative to produce a secondresistance to hand operation thereof, wherein the second resistance isgreater than the first resistance.
 10. The apparatus according to claim1 wherein the at least one computer is operative to cause to be outputthrough the at least one user interface device at least one manuallyperceptible output corresponding to at least one character that ismachine user selectable through the at least one user interface device.11. The apparatus according to claim 1 wherein the at least one computeris operative to cause to be output through the at least one userinterface device at least one manually perceptible output correspondingto at least one transaction that is machine user selectable through theat least one user interface device.
 12. The apparatus according to claim1 wherein during a banking transaction the at least one computer isoperative to receive at least one user selection manually input throughthe at least one user interface device.
 13. The apparatus according toclaim 1 wherein the automated banking machine further includes a cashdispenser device.
 14. A method comprising: (a) operating at least onecomputer of an automated banking machine to receive at least one machineuser input manually provided through at least one user interface device;(b) operating the at least one computer to provide at least onenonvisual tangible output that is machine user receivable throughmachine user manual contact with the at least one user interface device.15. The method according to claim 14 and further comprising (c)operating the at least one computer to receive user inputs manuallyprovided through the at least one user interface device.
 16. The methodaccording to claim 14 wherein step (b) includes causing the at least oneuser interface device to produce a manually perceivable vibratoryaction.
 17. The method according to claim 14 wherein the at least oneuser interface device comprises a rotatable hand-operated device,wherein step (b) includes causing the hand-operated device to produce amanually perceivable change in resistance to rotation thereof.
 18. Themethod according to claim 14 wherein step (b) occurs prior to step (a).19. Apparatus comprising: an automated banking machine including: atleast one user interface device, and at least one computer in operativeconnection with the at least one user interface device, wherein the atleast one computer is operative to receive at least one user inputmanually provided through the at least one user interface device,wherein the at least one computer is operative to provide to a machineuser through machine user manual contact with the at least one userinterface device, at least one nonvisual tangible output.
 20. Theapparatus according to claim 19 wherein the at least one user interfacedevice comprises a rotatable hand-operated device, and wherein the atleast one nonvisual tangible output includes at least one of manuallyperceivable change in hand-operated device vibration and manuallyperceivable change in resistance to hand-operated device rotation.